855-299-2190

A friend of mine from CA received a message from an Eric Frazier who said that he's been trying to serve me (I no longer live in the state, but her address was my last when I was there).  He gave number 8552992190 and a packet number to refer to.  I called the next day and was referred to Joseph Barnes.  He said that an old creditor was filing 2 legal actions against me.  Theft of property and intent to defraud.  The claim is that I took out the card and charged it up and had no intention to pay it off.  When I say it's an old account, it's 23 years old.  I think I may have been 17 when I got the card.  I tried to pay it off until around 2003 and my last payment didn't go through because their systems were down that day.  Because of that, my payment plan with them was dropped and sent to collections, or sold - I don't remember.  Anyhow, it's been a decade and now they're filing legal action against me?  So, I was scared and asked him to forward the paperwork to me and Mr. Barnes said "yes, I could, but if I do that, it will be the same as serving you and the action against you will move forward." Nicely done. So, he put me on hold and spoke to an attorney, or some such person, and talked/scared me into 2 payments debited from my checking account.  I gave him the information, but haven't signed the paperwork.  They've sent it to me 4 times today and once yesterday.  I sent the paperwork to a couple of friends of mine, as they are a bit brighter than I am (apparently). Friend #1 said that signing the paperwork authorizes 2 payments, but also states at the bottom (small letters) that my electronic signature is valid until I send written notice for them to stop taking withdrawals. Friend #2 (who is a banker) said that it is an authorization form to debit, but there is nothing in writing that states that once the terms of the agreement are fulfilled, collections efforts (or legal action) will cease.  Oh, Mr. Barnes also said that the creditor has sent me me numerous offers to settle this debt, but I have received nothing.  And as I've been trying to clear up my credit, I've been looking for offers.  I also reviewed my credit report and there is nothing there that indicates that they have been trying to collect recently.

The name of the company that I was given is Fillmore Davis.  There is no information on the internet about a company with that name that seemed to match this situation.  The name of the company on the paperwork is Prolific Acuisitions Group, which I have seen on this website also under 8778252842.  The tactics they used are the same as I have seen on other threads and I feel like an idiot.  Other victims have said that their accounts were debited even though they didn't sign the documents...my banker friend said they shouldn't be able to, but I am concerned.

Anyone have any ideas of what to do at this point? I am no longer worried about any potential legal action, but am obviously concerned that they will still debit my account.

Keep getting calls for someone who used to rent from me. Called them back and explained the situation. They kept asking questions but in the end took my phone number out.

Call from this company stating call it I'll be visited by a process server and work and home